In the world of premium credit cards, few names spark as much interest as the HDFC Infinia Credit Card (Metal Edition). Designed for India’s high-net-worth individuals, this invite-only card offers luxury, rewards, and exclusivity — all wrapped in a solid metal body. But is it truly worth the hype?
Fees & Charges
Joining/Renewal Membership Fee – Rs. 12,500 + Applicable Taxes. Click here to view details of HDFC Bank Infinia Metal Edition Fees and Charges
Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year.
Welcome Benifits
Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region.
Get welcome benefit of 12,500 reward points upon fee realisation and card activation
Reward Program That Delivers
Reward Points Accrual
| SPEND TYPE | REWARDS | REWARD RATE | MAX. CAP |
|---|---|---|---|
| Regular Spends | 1X 5 RP / 150 INR | 3.3% | 2L RP / Stmt Cycle |
| Hotels Myntra, Â Jockey, PharmEasy, IGP (Via Smartbuy) | 10X 50 RP / 150 INR | 33% | 15,000 RP / Shared (Max: 45K INR spend) |
| Flights Apple (Imagine) ,eVouchers (Via Smartbuy) | 5X 25 RP / 150 INR | 16.5% | 15,000 RP / Shared (Max: 90K INR spend) |
| Train (Via Smartbuy) | 3X 15 RP / 150 INR | 9.9% | 15,000 RP / Shared (Max: Â 1.5L INR spend) |
Exemptions from gaining Reward Points: 0% pts gained (0x)
- Fuel transactions
- EasyEMI and e-wallet loading transactions
- If a retail transaction is converted into SmartEMI
- Rental pay transactions, property management services like rent, maintenance, packers &movers, etc and government transactions
Reward Points Redemption
| REDEMPTION TYPE | REDEMPTION RATIO | MAX. REDEMPTION (CALENDAR MONTH) |
|---|---|---|
| Flights / Hotels | 1:1 | 1,50,000 RP (Shared Max. Cap) |
| Apple Products | 1:1 | 1,50,000 RP (Shared Max. Cap) |
| Tanishq Vouchers | 1:1 | 50,000 RP (part of 1.5L max cap) |
| Airmiles (airlines/hotels) | 1:1 / 2:1 | 1,50,000 RP (Shared Max. Cap) |
| Products/Vouchers | 1:0.5 | – |
| Cashback | 1:0.3 | 50,000 RP |
Redemption Rules:
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- 70% from reward points, 30% from Credit Card.
- You get 10X/5X points on the remaining 30% paid on card as per your spending category
Travel Benefits
Domestic lounge program : Enjoy unlimited complimentary airport lounge access in India for primary and add-on cardholders using Infinia card.
Priority Pass – In India & Abroad : Enjoy unlimited complimentary airport lounge access outside India at 1,000+ airport lounges using Priority Pass. Benefit also available for add on Priority Pass holders.
Complimentary Nights at ITC Hotels : Book stay for 3-nights and pay for 2 at participating ITC Hotels with your HDFC Bank Infinia credit card
Dining Benefits
Swiggy Dineout – Good food Trail : Indulge in mouth-watering discounts! Pay with your HDFC Bank Credit Card and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants!
1+1 Complimentary buffet at ITC Hotel : Get 1+1 complimentary buffet at participating ITC Hotels with your HDFC Bank Infinia Credit Card.
Lifestyle Benefits
Unlimited Complimentary golf games at leading courses across India and select courses across the world
Unlimited complimentary Golf coaching at select golf courses across India.
- Customize your travel, entertainment, and business experiences with our 24×7 Global Concierge AssistanceÂ
Additional Benefits
Foreign Currency Markup : Lowest markup fee of 2% on all foreign currency transactions.
Insurance : Accidental Air Death cover worth Rs. 3 Crore. Emergency overseas hospitalization up to Rs. 50 lakhs in case of emergency. Credit Shield Cover for upto 9 lakhs
Fuel Surcharge Waiver : 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.1,00,000​​​​​​​
Eligibility
Membership for the HDFC Bank Infinia Credit Card is By Invite Only
Final Verdict
The HDFC Infinia Credit Card (Metal Edition) isn’t just another credit card—it’s a financial privilege. With best-in-class rewards, travel luxuries, and no forex charges, it’s crafted for elite users who know how to get value out of every swipe.
However, it’s not for everyone. If you don’t travel frequently or can’t spend enough to get the fee waived, other premium cards like HDFC Diners Black or Axis Magnus may be more cost-effective.